Effective Date: 1^st January 2021 Website: bcfirstnationsautofinance.ca

Welcome to BC First Nations Auto Finance (“Company”, “we”, “our”, “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, applications, and services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms.

1. Eligibility & Legal Capacity

By using our Services, you represent and warrant that:

• • You are at least the age of majority in your province or territory in Canada
  • You have the legal capacity to enter into binding agreements
  • All information provided is true, accurate, and complete

We reserve the right to refuse or discontinue Services at our sole discretion.

2. Nature of Services (Brokerage Disclosure)

BC First Nations Auto Finance acts primarily as a finance facilitator and broker, not a direct lender, unless explicitly stated.

Our Services include:

• • Connecting applicants with third-party lenders and dealerships
  • Assisting with credit applications and document submission
  • Providing vehicle financing options based on applicant profiles

Important:

• • We do not guarantee loan approval, rates, or terms
  • Final financing decisions are made solely by third-party lenders
  • Any loan agreement is strictly between you and the lender

3. Application Process & Credit Authorization

By submitting an application, you:

• • Authorize us and our partners to obtain, verify, and exchange your personal and financial information
  • Consent to one or more credit checks (soft and/or hard inquiries)
  • Agree to verification of employment, income, identity, and residency

You acknowledge that:

• • Multiple lenders may review your application
  • Each lender may have independent approval criteria

4. Indigenous & First Nations Programs

We may provide tailored financing programs for First Nations, Inuit, and Métis individuals.

Where applicable, you agree to:

• • Provide accurate documentation of Indigenous status or affiliation if required
  • Not misrepresent eligibility for any specialized program

Misrepresentation may result in denial, cancellation, or legal action.

5. User Responsibilities & Prohibited Conduct

You agree NOT to:

• • Submit false, misleading, or fraudulent information
  • Impersonate another individual
  • Use the Services for unlawful or abusive purposes
  • Interfere with website security or operations

You are responsible for all activity conducted under your use of the Services.

6. Fees, Commissions & Payments

• We may receive commissions or referral fees from lenders and dealerships
• Any fees payable by you will be clearly disclosed before agreement
• Loan repayments, interest, penalties, and obligations are solely governed by your agreement with the lender

We are not responsible for lender-imposed fees or changes in loan terms.

7. Privacy & Data Protection (PIPEDA Compliance)

Your use of our Services is also governed by our Privacy Policy.

We collect and process personal information in accordance with:

• • The Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Applicable provincial privacy laws (including British Columbia’s PIPA)

We may share your information with:

• • Credit bureaus (e.g., Equifax, TransUnion)
  • Lenders and financial institutions
  • Vehicle dealerships and service providers

You consent to such collection, use, and disclosure as necessary to provide Services.

8. Electronic Communications & Consent

You consent to receive:

• • Emails, SMS messages, and phone calls (including automated communications)
  • Electronic agreements, disclosures, and notices

You agree that electronic communications satisfy any legal requirement for written communication.

You may withdraw consent where legally permitted, which may affect your ability to use our Services.

9. Intellectual Property

All content on the website—including logos, branding, text, graphics, and software—is owned or licensed by BC First Nations Auto Finance.

You may not:

• • Copy, reproduce, modify, or distribute content without written permission
  • Use our branding without authorization

10. Third-Party Services & Links

Our Services may include links or integrations with third-party platforms.

We do not control and are not responsible for:

• • Third-party content or services
  • Their privacy practices or terms

Use of third-party services is at your own risk.

11. Limitation of Liability

To the maximum extent permitted by law, BC First Nations Auto Finance shall not be liable for:

• • Loan denials or financing outcomes
  • Errors, delays, or decisions made by lenders or dealerships
  • Loss of data, profits, or business opportunities
  • Any indirect, incidental, or consequential damages

Your sole remedy is to discontinue use of the Services.

12. Indemnification

You agree to indemnify and hold harmless BC First Nations Auto Finance and its affiliates from any claims, damages, or liabilities arising from:

• • Your misuse of the Services
  • Your violation of these Terms
  • Your submission of inaccurate or fraudulent information

13. Service Availability & No Warranty

The Services are provided “as is” and “as available” without warranties of any kind.

We do not guarantee:

• • Continuous or error-free operation
  • Accuracy or completeness of information
  • Availability of specific lenders or offers

14. Termination & Suspension

We may suspend or terminate access to the Services immediately if:

• • You violate these Terms
  • Fraud or suspicious activity is detected
  • Required by law or regulatory authority

15. Governing Law & Jurisdiction

These Terms are governed by the laws of the Province of British Columbia and the applicable federal laws of Canada.

Any disputes shall be resolved exclusively in the courts of British Columbia.

16. Changes to Terms

We may update these Terms at any time.

Changes will be effective upon posting. Continued use of the Services constitutes acceptance of the updated Terms.

17. Complaints & Regulatory Contact

If you have concerns, you may contact us directly. You may also have the right to file complaints with relevant regulators, including:

• • Office of the Privacy Commissioner of Canada
  • Provincial consumer protection authorities

18. Contact Information

BC First Nations Auto Finance
Email: bcfirstnationsautofinance.ca
Phone: +1 604-339-4940
Address: 3108-20800 Westminster Hwy V6V 2W3